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IndianOil RBL Bank XTRA Credit Card vs IndianOil Axis Bank RuPay Credit Card vs IndianOil HDFC Bank Credit Card

A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

IndianOil RBL Bank XTRA Credit Card
IndianOil RBL Bank XTRA Credit Card
IndianOil Axis Bank RuPay Credit Card
IndianOil Axis Bank RuPay Credit Card
IndianOil HDFC Bank Credit Card
IndianOil HDFC Bank Credit Card

Fees & Charges

Joining Fee
₹1,500 + GST
₹500 + GST
₹500 + GST
Renewal Fee
₹1,500 + GST
₹500 + GST
₹500 + GST
Spend Based Waiver
Annual Fee Waiver on Spends of ₹2.75 Lakh.
Annual fee waived on annual spending of Rs. 3,50,000 in a card anniversary year.
Joining fee waived on ₹20,000 spend in 90 days. Renewal fee waived on ₹50,000 annual spend.
Foreign Transaction Fees
3.5%
3.5% of the transaction value.
3.5% markup on all international and cross-currency transactions.
Interest Rate (APR)
2.5% to 3.99% Per Month
3.75% Per Month (55.55% Per Annum) on retail purchases and cash advances.
3.75% per month (45% per annum) on revolving credit balance.

Rewards & Benefits

Welcome Bonus
Get 3,000 Fuel Points (worth ₹1,500) on spending ₹500+ within 30 days of card issuance.
Earn up to 1250 EDGE REWARD points (worth ₹250) on first fuel transaction within 30 days of card issuance.
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining.
Rewards Rate
Earn 15 Fuel Points for every ₹100 spent at IndianOil fuel stations (7.5% reward rate).
Earn 20 pts/₹100 on fuel (IOCL), 5 pts/₹100 on online shopping, 1 pt/₹100 on other spends.
Earn 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends.
Reward Type
Reward Points
Reward Points
Fuel Points
Reward Redemption Fee
₹99 + GST
INR 99 per transaction on the EDGE REWARDS platform.
₹99 + GST applies for reward point redemption.

Travel & Lifestyle

Domestic Lounge Access
Not applicable
Not Applicable
Not Applicable
International Lounge Access
Not applicable
Not Applicable
Not Applicable
Travel Benefits
Not applicable
Instant savings up to 15% on flights & hotels via MakeMyTrip (Wednesdays).
Not Applicable
Movie Benefits
Not applicable
Up to 10% instant discount on movie tickets booked via BookMyShow app or website.
Not Applicable
Dining Benefits
Not applicable
Up to 15% off (max Rs. 500) on dining bills at partner restaurants via Axis Bank EazyDiner Program.
Not Applicable
Golf Benefits
Not applicable
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver up to ₹200 Each Month.
1% waiver on fuel surcharge (transactions ₹400-₹4000), max ₹50 per statement cycle.
1% waiver on fuel transactions (min ₹400), capped at ₹250 per statement cycle.

Security & Other

Insurance Benefits
Not applicable
Not Applicable
Zero Lost Card Liability protection against fraudulent transactions upon reporting card loss.
Cash Advance Charges
2.5% of the Cash Amount or a Minimum of ₹500.
2.5% of cash amount (Minimum Rs. 500) for cash withdrawals.
2.5% of amount withdrawn, minimum ₹500, for cash advance transactions.

IndianOil RBL Bank XTRA Credit Card

IndianOil Axis Bank RuPay Credit Card

IndianOil HDFC Bank Credit Card

Who is it for?

Who is it for?

Who is it for?

Pros

Key benefits and features.

High 7.5% reward rate on fuel purchases at IndianOil stations, leading in its segment.

Substantial annual fuel savings, equivalent to 250 liters of free petrol annually.

Welcome benefits worth ₹1,500 effectively offset the joining fee for new cardholders.

Pros

Key benefits and features.

Best suited for transactions at petrol stations, offering excellent value back on fuel.

Provides an instant 10% discount on movie tickets booked via BookMyShow.

Offers dining discounts through the Axis Bank Dining Delights program.

Annual fee waiver on achieving a reasonable spending threshold.

Pros

Key benefits and features.

RuPay network enables seamless linkage to UPI applications for mobile payments.

Offers a high reward rate for fuel redemption through IXRP, valuing 1 FP at ₹0.96.

Provides potential for both joining and renewal fee waivers based on annual spending.

Opportunity to earn up to 50 litres of free fuel annually with continued usage.

Cons

Key drawbacks and limitations.

Limited diversified benefits, lacking lounge access, dining, or broad accelerated rewards.

Requires ₹13,400 monthly fuel spend to maximize the 2,000 monthly Fuel Points cap.

Reports of redemption issues for Fuel Points at some IndianOil outlets due to lack of support.

Cons

Key drawbacks and limitations.

Lacks significant travel benefits like airport lounge access, unlike many premium cards.

The welcome benefit of 1,250 EDGE Reward Points (worth ₹250) is relatively low.

Reward redemption on the EDGE REWARDS platform incurs a fee of INR 99 per transaction.

Cons

Key drawbacks and limitations.

Initial cap on accelerated fuel rewards at IndianOil outlets limits benefits for high spenders.

Reward accrual on groceries and bill payments is capped at 100 Fuel Points per month.

Lower redemption value (1 FP = ₹0.20) for cashback or catalogue products.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.